delivered the opinion of the court.
This cause was submitted to the circuit court of Cook county as an agreed case, pursuant to our Buie 23, and Supreme Court Buie 48. Defendant, the Illinois Agricultural Mutual Insurance Company, issued its policy of insurаnce No. 58371 to plaintiff, Charles Burnett, and on December 10, 1940 a six months’ premium was paid, continuing the policy in effect to June 10, 1941. A clause of the policy reads: “This policy may be cancelled at any time by the insured by written notice to the company at its home office at Chicago, Illinois, or may be cancelled by the company by giving at least five days’ notice in writing of such cancellatiоn mailed to the insured at the address stated in the policy which shall be sufficient notice. . . . If this policy shall be cancelled as herein provided, or become void or cease, the cash premium having been paid, the unearned portion of such cash premium shall be returned on surrender of the policy, the company retaining the customary short rate, except that when this poliсy is cancelled by the company by giving notice it shall retain only the pro rata cash premium. The check of the company, ■ mailed to the insured at his last post office address as shown by the records of the company, or mailed to the County Farm Bureau in Illinois, through which insured was last qualified for membership in the company, as his agent for delivery to him, shall be a sufficient tender of unearned cаsh premium. ’ ’ Oil April 11,1941 the defendant mailed and the plaintiff received the following letter:
“This letter is regarding your automobile insurance. As you know, insurance in this Company is only available to members of the Farm Burеau of Illinois who are in good standing or dependent members of his family living at home. If our records are correct in this matter the membership in the Farm Bureau which entitles you to this insurance is not in good standing аs of this date. We hope that we will not be obliged to cancel policy #58371 which you hold in this Company because of this fact.
“We must, however, advise at this time that if you do not renew your affiliations or reinstate your membership in the Farm Bureau, it will become our duty to cancel the above mentioned policy. We are, therefore, notifying you that at 12:01 Central Standard Time, on May 11, 1941 this policy will be cancelled unless we are advised before that date that you have renewed the membership which entitles you to this insurance. We hope that you will call at the Farm Bureau office and renew yоur affiliations with your County Farm Bureau before the above mentioned date, if you have not already done so.
“If this policy is cancelled on the date mentioned herein and there be any return premium due you on account of such cancellation this premium will be sent to you at which time you should forward your policy to this office for our file.”
On May 12, 1941 plaintiff’s motor vehicle described in the pоlicy, the operation of which was insured, was involved in a collision and the damages sustained amounted to $693. If said policy were in effect on that date, the defendant would owe the plaintiff $678, in aсcordance with the terms of the policy and certain action of the defendant’s board of directors limiting the amount deductible in collision losses. On May 14, 1941 defendant wrote plaintiff stating that it had beеn obliged to cancel the policy in accordance with its letter of April 11th, and inclosed a check for the unearned premium and dividend in the amount of $4.40. The parties are in agreement that the amount of $4.40 so tendered was the correct amount of pro rata premium and dividend for the period from May 11, 1941 to June 10, 1941 and that the plaintiff refused to accept the check and tendеred it back. The defendant raised no question as to the amount of the loss, compliance by plaintiff with the notice of loss and other provisions of the policy, but declines to pay the loss, basing its refusal on its contention that the policy was canceled as of 12:01 Central Standard Time on May 11, 1941. The parties stipulated that the points of law at issue between them are: (1) Is the letter of April 11, 1941, sеnt by defendant to plaintiff, a sufficient notice of cancellation? (2) Under the provisions of said policy relating to cancellation, was the payment or tender of pro rata premium by defendant to plaintiff in this case a condition precedent to the effective cancellation of said policy at 12:01 a. m. Central Standard Time, May 11, 1941? The trial court decided that the letter of April 11,1941 was insufficient and that the payment or tender of the pro rata premium by defendant to plaintiff was a condition precedent to the effective can-. cellation of said poliсy at 12:01 a. m. Central Standard Time on May 11, 1941. The court thereupon entered judgment for the plaintiff in the sum of $678 and costs. Defendant appeals.
Defendant maintains that the court erred in holding that the letter of April 11, 1941 from defendant to plaintiff was not sufficient notice of cancellation of the policy and plaintiff resists this contention. We agree with defendant that the notice by the insurer to the insured neеd not be in any particular form in the absence of a statute or policy provision prescribing such form and that the notice is sufficient so' long as it positively and affirmatively indicates to the insured thаt it is the intention of the company that the policy shall cease to be binding as such upon the expiration of the stipulated number of days from the time when this intention is made known to the insured. Defendants аssert that the plain implication of the letter was that the policy would be canceled on May 11th, but that . the notice could be disregarded if the plaintiff renewed his Farm Bureau membership before that time, and insist that plaintiff was unequivocally notified that the policy would be canceled. Defendant also states that plaintiff has never contended that he misunderstood the letter of April 11th, but simply аrgues that tech-ideally it was not a sufficient notice. We have read the cases of Stryzewski v. American Motorists Ins. Co.,
The second point we are asked to decide is whether under the provisions of the policy relating to cancellation, the payment or tender of the pro rata premium by defendant constituted a condition precedent to the effective cancellation of the policy at 12:01 a. m., Máy 11, 1941. As we have resolved the case by deciding the first point, it is unnecessary to consider this point.
The judgment of the circuit court of Cook county is affirmed.
Judgment affirmed.
Hebel and Kilby, JJ., concur.